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Our investments are proudly managed under  

Our investments are proudly managed under  

Financial Planning

HOLISTIC, COMPREHENSIVE,
AND PERSONALISED

Our investments are proudly managed under

Retirement Planning

SECURE YOUR FUTURE

Life, Disability, and Critical Illness

UNEXPECTED LIFE
CHANGING EVENTS

POSITIONED
FOR EXCELLENCE

SINCE ITS INCEPTION OVER THREE DECADES AGO, ROXBURGH TRUST HAS BEEN BUILDING WEALTH AND FINANCIAL SECURITY FOR ITS CLIENTS FROM ALL WALKS OF LIFE.

Chess is not just a game of strategy. It’s a game of position. It’s the understanding that by holding key areas on the board, you’re more able to implement your strategy and prepare for any eventuality.

The same can be said for investing.

At Roxburgh, our mission is to improve our clients’ financial standing by growing their wealth with attentive, personalised financial planning services.By analysing the markets and scrutinising macro-economic performance, we position ourselves for every possibility.

We do this because we understand the sacrifices that our clients have made to earn the money they have. And so, with integrity, honesty, and fairness, we stay focused on the end game.

Our Services

Roxburgh Trust is committed to adding value for our clients, through holistic, personal and financial planning, and we pride ourselves on the experience we have across a wide range of products and services, including:

FINANCIAL PLANNING
INVESTMENTS: LOCAL AND OFFSHORE
ASSET MANAGEMENT
GLOBAL BUSINESS STRUCTURES
FOREIGN EXCHANGE
LIFE COVER
HEALTH CARE
EMPLOYEE BENEFITS
WILLS / TRUSTS / EXECUTORSHIP
SHORT TERM INSURANCE

We offer a wide variety of services and associated services, please contact your Roxburgh advisor for more information on any of our services listed below:

  • Estate planning
  • Retirement planning
  • Investment planning
  • Health care planning
  • Risk planning
  • Income protection
  • Life and disability assurance
  • Unit trusts
  • Offshore investments
  • Retirement annuities
  • Endowments
  • Living annuities
  • Preservation funds
  • Guaranteed investments
  • Managed share portfolios
  • Money market instruments
  • Provident and pension funds
  • Group life and income protection
  • Buy and sell agreements
  • Key man assurance
  • Contingent liability

Associated Services

  • Tax planning
  • Wills
  • Trusts
  • Short term insurance
  • Foreign exchange
  • Employee benefits

Investments

The Roxburgh portfolios have been, and continue to be subjected to rigorous qualitative and quantitative analysis as well as a robust ongoing due diligence processes, which ensures the selection of quality unit trust funds within the portfolios.

Our investment process provides our clients with a scientifically designed suite of risk-profiled investment portfolios that are robust, yet dynamic in adapting to changes in investment market cycles.

Roxburgh Trust expanded its offering to include five composite investment portfolios with risk profiles that are matched to the risk and return needs of its clients, ranging from a conservative risk profile to a high risk profile.

Each fund has a pre-determined strategic asset allocation, which is monitored on an ongoing basis to maintain each portfolio’s risk profile.

The Investment Committee additionally monitors the macro-economic environment with a view to determining whether tactical asset allocation changes are necessary.

Potential return

Roxburgh
Conservative
Fund of Funds

Roxburgh
Balanced
Fund of Funds

Roxburgh
Balanced Plus
Fund of Funds

Roxburgh
Worldwide
Flexible Fund

Risk

ROXBURGH Ci CONSERVATIVE FUND OF FUNDS

This portfolio is part of the multi-asset low equity sector and is aimed at the low risk investor.

The benchmark of the fund is CPI + 2% over rolling three year periods.

ROXBURGH Ci BALANCED FUND OF FUNDS

This portfolio is classified in the multi-asset medium equity sector and is aimed at the medium risk investor.

The benchmark of the fund is CPI + 3% over rolling five year periods.

ROXBURGH Ci BALANCED PLUS FUND OF FUNDS

This portfolio is classified in the multi-asset high equity sector and is aimed at the higher risk investor.

The benchmark of the fund is CPI + 4% over rolling five year periods.

ROXBURGH WORLDWIDE FLEXIBLE FUND

The objective of this portfolio is to provide investors with long-term capital growth through equity centric investments.

The portfolio aims to generate a return of CPI + 6% p.a. over any rolling 10 year period and is aimed at the high risk investor as it will have an equity exposure ranging between 0% and 100%.

Fund Fact Sheets

We strive to deliver the best and latest industry information for our Fund Fact Sheets and Efficient Frontier

Roxburgh Ci Conservative Fund of Funds September 2020
Roxburgh Ci Balanced Fund of Funds September 2020
Roxburgh Ci Balanced Plus Fund of Funds September 2020
Roxburgh Worldwide Flexible Fund September 2020

About Us

As the Directors of Roxburgh Trust, we have more than 160 years of combined financial planning experience, economic knowledge and business expertise to add to the reliable, consistent and focused platform it offers to clients.

Our investment team of seven financial planners is supported by 15 meticulous administrative staff that ensure that all client needs are efficiently taken care of.

At Roxburgh Trust, we place a high premium on our core values of integrity, honesty and fairness, guided at all times by the code of ethics of the Financial Planning Institute (FPI), The Financial Advisory and Intermediary Services Act (FAIS) and all other prevailing legislation.

Our financial planning practice focuses on the analysis, planning, recommendation and implementation of informed financial decisions to help our clients achieve their goals.

We combine advice and education to empower our clients, and we continuously analyse new products and systems to offer the best possible financial planning solutions for our clients.

We acknowledge that life happens, and we engage with our clients frequently to ensure that we are serving their best interests at all times.

PERSONALISED FINANCIAL PLANNING SERVICES

OUR PROMISE

To create wealth and financial stability for our clients, to always put our clients first and to make a difference because we care.

OUR MISSION

At Roxburgh Trust, our mission is to improve and protect our clients’ financial standing, growing their wealth and financial stability by offering attentive, personalised financial planning services.

The financial services industry is extremely complex and is best navigated by experienced experts who know how to chart its unpredictable waters.

Individuals and businesses requiring financial, risk and investment management guidance should choose financial advisors who can show (and not just say) that they know what they’re doing through the success of their own portfolios.

Our directors are known for their integrity and stability. We combine advice and education to empower our clients, and we continuously analyse new products and systems to offer the best possible financial planning solutions for our clients.

Russell Sachs, CFP®

DIRECTOR (MANAGING)

Russell joined the financial services industry as a financial planner in August 1990, joined Roxburgh Trust in April 2003, was appointed the company’s Managing Director in 2007 and qualified as a Certified Financial Planning Practitioner® in 2008.

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His approach to financial planning is client-centric, and he takes a passionate and empathetic approach to building wealth for his clients, using his foundations of reliability, integrity and honesty.

Russell uses his ability to interact with people and businesses on every level to build and implement financial planning strategies, and grow Roxburgh Trust to be a leading financial planning practice that is trusted and valued by its clients.

A family oriented man, Russell plays tennis, enjoys swimming, and takes great joy in travelling.

His life motto? "The best way to predict your future is to create it." Read Less

Contact: russell@roxburgh.co.za

Personal assistant: narese@roxburgh.co.za

Rob Tippet, CFP®

DIRECTOR

Rob is an independent Certified Financial Planning Practioner®, and holds a Diploma in Financial Planning from Liberty Life, and a National Diploma in Extraction Metallurgy from Wits Technical College. He joined Roxburgh Trust in 2003, and is the company’s Financial Director.

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He loves helping people achieve their financial goals with his analytical and detailed approach to planning, taking great pleasure in understanding their needs and using all the tools at his disposal to make his clients’ dreams into reality.

Rob uses his extensive skills to maintain a steady ship when it comes to Roxburgh’s own finances, offering added peace of mind to the company’s clients. Rob loves the flexibility that is possible at Roxburgh, and structures his time effectively to be able to relax with his family, travel, and go hiking. He also enjoys movies, good restaurants and fine wine.

His life motto? "Live life while it’s happening." Read Less

Contact: rob@roxburgh.co.za

Personal assistant: joan@roxburgh.co.za

Adv Pieter Norval, B luris. LLB

DIRECTOR

Pieter holds B.Iuris and LLB degrees from the University of the Free State, and is an Advocate in law. He joined Roxburgh Trust in 1999, but has been working in financial services since 1994.

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He builds strong relationships with his clients, offering a reassuring balance with his financial expertise, legal knowledge and life experience. Pieter values his career in financial services because it gives him the opportunity to add real value to people’s lives, an ethos that guides him in his personal and professional spheres.

He is a keen outdoorsman, and loves spending time with his family and reading. Judo is also a great passion in his life.

His life motto? “We are what we repeatedly do.” Read Less

Contact: pieter@roxburgh.co.za

Personal assistant: jolene@roxburgh.co.za

Personal assistant: yvonne@roxburgh.co.za

Assistant: asanda@roxburgh.co.za

Dr Clinton van Coller, BVSc. (Pret) AFP™

DIRECTOR

Clinton completed a Franchise Development Program with Liberty Life in 2000, which gave him entrance into the fascinating world of personal finance and wealth management.

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He joined Roxburgh Trust in 2001 as an Associate Financial Planner, and takes tremendous personal interest in his client’s financial affairs with a special interest in asset management and the market factors affecting his clients’ portfolios.

Clinton holds a certificate in Financial Planning (Milpark Business School), is an AFP™ professional, but originally gained a Bachelor of Veterinary Science in 1985 from the University of Pretoria, in private practice as a vet until 1999. Read Less

Contact: clinton@roxburgh.co.za

Personal assistant: edith@roxburgh.co.za

Colin Resnik, CFP® Investment Analysis and Portfolio Management

DIRECTOR

Colin is an independent Certified Financial Planning Practitioner®, and is experienced in the field of financial planning, investment and asset management since 1992.

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He joined his late father in a successful financial planning practice in 1992, and joined Roxburgh Trust as a Shareholder and Director in 2002.

Colin's main focus and passion is to assist and advise his clients to become financially astute and secure, and to help them understand the workings of the financial markets.

Colin attained a post graduate Certified Financial Planning qualification from the University of Orange Free State in 2001 as well as a post graduate diploma in Investment Analysis and Portfolio Management from the University of Johannesburg in 2007. Read Less

Contact: colin@roxburgh.co.za

Personal assistant: olga@roxburgh.co.za

Personal assistant: val@roxburgh.co.za

Glen du Toit, CFP®

DIRECTOR

Glen is a Certified Financial Planning Practitioner®, having qualified with the Financial Planning Institute in 1996. After working for Old Mutual for 13 years once qualified, he joined Roxburgh Trust in 2003.

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He places building relationships of trust, founded on honesty and integrity with his clients, at the heart of his financial planning practice, and takes great pleasure in assisting Roxburgh’s clients achieve their financial planning and investment goals.

Glen believes that the power of Roxburgh Trust lies in the strength of the individuals in the organisation working together to offer the best of their collective experience to the company’s long-established client base who have become friends, and its new clients who soon will be friends too.

He spends his spare time with his wife, son and daughter, and enjoys watching sport and completing DIY projects.

His life motto? "To do unto others as I would have them do unto me". Read Less

Contact: glen@roxburgh.co.za

Personal assistant: lara@roxburgh.co.za

Duncan Band, BCom hon., CFP®

DIRECTOR

Duncan holds a BComm in Financial Accounting from Stellenbosch University, a BCTA from Rand Afrikaans University, and qualified as a Certified Financial Planning Practioner® at the University of the Free State. He has been working in financial services for 12 years, and joined Roxburgh Trust in 2014.

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He has worked in large corporates and small businesses, with this diverse experience giving him deep insight and understanding of the wide range of products in the marketplace. His well-established platform of knowledge positions him to offer well-rounded and insightful advice to his clients.

Duncan is passionate about helping his clients create wealth and financial stability, making sure that they understand their own products and investments and enjoy the pace of mind that comes with a financial plan that has financial freedom as its end goal.

He enjoys running, cycling, mountain biking and participating in triathlons, and reads in his downtime.

His life motto? "The two most powerful warriors are patience and time". Read Less

Contact: duncan@roxburgh.co.za

Personal assistant: asanda@roxburgh.co.za

Assistant: jolene@roxburgh.co.za

Assistant: yvonne@roxburgh.co.za

Service Providers

Roxburgh Trust partners with service providers and financial institutions that subscribe to our values of integrity, honesty and fairness.

When we engage with these service providers on our clients’ behalf, we know that we can trust them to offer the same dedication and excellent service that we do.

INDEPENDENT RESEARCH AND INVESTMENT ANALYSIS

Morningstar is part of the Morningstar Investment Management group, which offers investment advisory services around the world. Licensed with the Financial Services Board, Morningstar Investment Management South Africa provides research-driven, innovative and independent investment services to the local market.

Through its global presence, Morningstar Investment Management brings together a rich heritage of local investment-management expertise and experience to craft solutions that cater to the unique requirements of the South African market. What sets Morningstar apart from other companies is the customised independent investment management services, software, data, research and ratings offered to its clients. The global research team consists of more than 120 analysts and their proven track record has resulted in global assets under management exceeding $180bn.

GOVERNANCE AND COMPLIANCE

Roxburgh Trust partners with Analytics Consulting, an investment consulting and product development company that focuses on developing bespoke multi-manager solutions for top independent multi-manager businesses. Analytics Consulting assists with local and foreign product development, and provides support for Roxburgh Trust’s investment committee’s governance framework.